When Will My Medicare Coverage Start?

When you choose to apply for Medicare will affect your effective date

by Amy De Vore+ on Jan 22, 2018 | 64 Comments

Understanding when your Medicare Part A and Part B will be effective is important to know so that you can coordinate cancellation of your current insurance and enrollment into Medicare Supplemental Insurance plans. While most people will be automatically enrolled in Original Medicare, those who are born on the 1st of the month or those who enroll themselves can have different Medicare effective dates.  You can calculate your enrollment dates here.

This article was updated on January 22, 2018 to include our deadline calculator

When Will My Medicare Coverage Start?

Like we said above, most people will be automatically enrolled into Medicare. This typically happens when you have already enrolled to receive Social Security.  If this is your story, you will receive your red, white, and blue card about three months before your 65 birthday, and your coverage will begin on the 1st day of your birth month.  If your birthday lands on the 1st of the month, however, then your coverage will begin on the 1st day of the prior month. An example of this is if you were born on May 1st, your Medicare coverage would start April 1.

Check Out Our Medicare Deadline Calculator

If you chose to delay your start of Medicare and do not have a qualifying event (such as coverage through work) the chart below will explain when your coverage can/will begin. 

When you sign up for Medicare: When your Medicare will begin:
Automatically enrolled/signed up before your 65th birthday month First day of your birth month; UNLESS
Automatically enrolled/signed up before 65th birthday month BUT your birthday falls on the 1st Your coverage will start on the 1st day of month prior to your birthday
During the 1st month you turn 65 Medicare will start 1 month after you sign up
One month after you turn 65 Medicare will start 2 months after you sign up
2 months after you turn 65 Medicare will start 3 months after you sign up
3 months after you turn 65 Medicare will start 3 months after you sign up
After that time*, you can usually only apply during the General Election Period (1/1-3/31) Medicare will start July 1st.

NOTE: If you have a qualifying event to enroll in Part B after 65, you will be able to start Medicare right away, and not have to wait until the General Election Period.

Coordinating Start Dates for Medigap with Medicare

Once you know when your Medicare effective date is, you can apply for Medicare Supplement (Medigap).  You can enroll up to 3 months before your part B effective date.  This way there’s no gap in coverage. Call us at 800-930-7956, and we can help coordinate your dates.

Learn More about Medigap Get a Medigap Quote

Coordinating Start Dates for Medicare Advantage or Drug coverage and Medicare

Same applies as above. Once you learn your Original Medicare effective date, you’ll want to apply for Medicare Advantage prior to that date, so that you have the coverage you desire.

Learn More about Medicare AdvantageGet a MA Quote

Further Information About Medicare Start Dates

    1) If you have delayed Part B, your start date will be different from above, as will your Medicare Advantage and Medigap effective dates.
    2) If you are enrolled in Medicare Advantage and want to switch to Medigap, click to learn your effective date
    3) If you are enrolled in Medigap and Switch to Medicare Advantage, click to learn the rules.
    4) Don’t forget to coordinate your Part D drug plan enrollment with your Original Medicare
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Reader Comments and Questions

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By Jill on July 09, 2018

I just turned 65 in July 2018 and am enrolled in medicare part a. I am working and have my company's medical plan. However, I am having knee replacement surgery at the end of September 2018 and will max out my plan's allowance for physical therapy visits. Can I assume that if I apply for medicare part b they will cover additional visits above my plan's maximum? Also, if that is the case can I enroll in part b effective October 1 or should I do it before my replacement surgery? Can I enroll under the IEP or do I have to disclose that I am covered by another plan and enroll under the SEP?

Jill, Your case it somewhat specific so we would like to know more about your current plan before making a specific recommendation. Please give us a call to discuss your details.

In general, if you left your old plan and enrolled in Medicare Part B, your physically therapy allowance would start fresh and would not include visits that took place before you enrolled.
-Michelle from Senior65.com

By Zag on June 09, 2018

I turned 65 in December 2017 and signed up for Medicare Part A. I delayed Part B as I was covered through wife's employer. Both wife and I still have coverage through her employer. I would like to terminate coverage through my wife and transition to Medicare Part B with Medigap and Part D this month (June 2018) and have a couple of questions. Does the SEP require an involuntary termination of the previous credible coverage or can I simply choose to sign up for Part B and then Medigap/Part D and after everything is in place voluntarily cancel the coverage I receive through my wife's employer? I have the completed CMS-L564 and CMS-40B forms and I plan on submitting these by mid-June requesting a June 1st start date for Part B. Will my coverage actually start June 1st or is it more likely to start on July 1st (or even later)? Thanks

You can wait to cancel your existing coverage until after you are approved on your medigap. They will ask you if you intend on replacing your current coverage with Medigap but you can have an active policy when applying.

While the Center from Medicare Services may retroactively assign your effective date as June 1, that will not happen with your medigap policy. Medigap almost always starts the first of the month following your application. So if you applied on June 15, you would start Medigap on July 1, 2018.

We would like to help you enroll in your plan of choice. There is no hidden fee to work with Senior65 and we will walk you through the entire process.

-Michelle at Senior65.com

By Jan on June 06, 2018

I have signed up for Medicare and a supplemental plan. It is effective Sept.1,2018. In April my doctor told me I need a hip replacement. If I have this surgery the first week of coverage for Medicare will they cover it or is there a wait period?

Please check with your agent or insurance provider to confirm if you are subject to waiting periods. If you worked with Senior65 to enroll, please give us a call and we can go over exactly how you plan works.
-Eric from Senior65.com

By Patricia on May 16, 2018

I receive my Social Security on the third Wednesday of the month. I turn 65 on 06/20/2018. I thought I read somewhere that my first deduction would be in May of 2018, but they did not take the $134 out of my check. When will it be deducted? There is often a delay when the first payment comes out. You can contact Social Security directly to confirm in your case. If you are considering Medicare Supplement coverage, Drug or Medicare Advantage coverage, please give us a call for help.

-Eric from senior65.com

By Scott on May 15, 2018

I am applying for Medicare. I have been on my former employee's retiree plan from the time I retired from there in 2014 until now On the questionnaire it asks if you "are on a group plan"? I think this is not considered a group plan so i should say "no". Because if I say yes and then enter my employment end date the process raises an error.

Thanks for reaching out. Senior65 helps people enroll in Supplemental Medigap Insurance, Medicare Advantage and Drug plans AFTER they enroll in Medicare part A and B so we are not familiar with the Medicare application.

Generally a retirement plan is not considered a Group plan but you should confirm with the Center of Medicare Services (CMS).
Once enrolled in Medicare, please circle back and we can help you with your supplemental insurance options.
-Michelle from Senior65.com

By Mary on April 07, 2018

I will begin receiving Social Security beginning in May and Medicare will be deducted automatically . For past three years I have paid the Medicare premium on monthly basis. My question is as to whether I should make the payment in April or will that be first month covered by what is taken out of the social security benefit in May?

Thanks for the question. Senior65 answers general medicare questions and helps people enroll in medicare insurance. It does not deal with specific medicare billing. Give CMS a call at 1-800-633-4227 and they can explain your situation.
-Eric from senior65.com

By Tim on April 05, 2018

I will be 65 on July 18, 2018. I have applied for Medicare Parts A & B and received my Medicare number (although not my actual card yet). Question: My current employer health insurance coverage is in effect until June 30, 2018, after which time my Medicare coverage will begin. If I sign up for a Medicare advantage plan now, will it also begin July 1st, and, will it have any effect on the remaining 3 months of employer heath coverage I current have? Thank you

We rarely recommend having both employer coverage and additional medicare insurance. In some cases you are not able to have both. Give us a call and we can discuss your case to see if you can postpone additional coverage until after your employer coverage ends. It almost always is the best move and can save you money.
-Chris from Senior65.com

By Kevin on February 13, 2018

I am 67 1/2 and retired 2/1/2018. I delayed Med A and B because I was on a HDHP with HSA from employer. Just received my Medicare card and it has 2/1/2018 for Part B but for Part A the date is 05/01/2017. How did Part A date go back 8 months? I understood it would go back 6 months, not 8.

By jim on January 17, 2018

I will be 65 on Sept. 21, 2018. I will not receive social security until 2024 but would like to begin medicare on Jan.1, 2019 so that I can keep my marketplace insurance, premium tax credit and hsa deductions until 1/1/19. Is a 1/1/19 medicare parts A and B start date possible? I telephoned Social Security and Medicare who say that a 1/1/19 date is not possible no matter when I apply. (apply June-Sept, effective Sept. 1; apply Oct., effective Dec 1; apply Nov., effective Feb 1.) Thank you.

Before delaying your Medicare start date, I would check with my current individual insurance provider to confirm they will continue to provide coverage after you are 65. Some will stop your coverage at 65.

The information you received from Medicare and SS matches our understanding of a delayed Medicare start date. If that is the case, we suggest starting Medicare Dec 1 as to not have a lapse in coverage.

Please consider working with us, if you decide you will purchase supplemental insurance. -Chris from Senior65.com

By Susan on January 16, 2018

My husband is 69 years old. He is on my insurance through my employer. He applied for part A before he turned 65, but deferred part B per our insurance administrator's recomendation. I'm getting ready to medically retire, and he will have to apply for part B. My retirement may occur in February this year. My question is, if he signs up for part B now, when will it become effective for him?

Thanks for contacting us. Since you have a qualifying event, the waiting period chart above does not apply to you. You husband can request a part B effective date to match your retirement date. Once you have both been issued a Medicare Part B effective date, you can enroll in a Medigap and drug plan if desired. Please consider working with us to help you enroll in supplemental coverage.
-Chris from senior65.com

By C. J. on January 10, 2018

I have a Aetna PPO (Cadillac Plan) for all my Medical Insurance(s) Coverage, of which the my employer pays about 75% & I pay 25%. When I reach 64 1/2 in June 2018--would it be less expensive for me to forego taking any of the Medicare Options, & continue w/ the Employer(Aetna PPO)Medical Insurance Coverage? Thanks. CJZ

You will want to enroll in Medicare part A when you turn 65. Sometimes staying with your current work coverage will save you money over Medigap part B and a Medigap plan. We can help you look into this and do a comparison. As long as you have credible coverage, you will not receive a penalty for delaying part B.
-Eric at Senior65.com

By Chris on January 08, 2018

I'm 68 and, as part of the terms of a buyout, am covered under my employer's insurance until April 1. How soon do I need to apply for Medicare Parts B and D and a Medigap policy to avoid a lapse in coverage?

Also, I plan to relocate to another part of the country this year. Does that affect my insurance choices?

You will want to apply for Part B now with an April 1 , 2018 start date. Once your part B has been processed and they have confirmed your effective date, you can then apply for your Medigap and D plan (BTW we would love to help you enroll in those). As long as you submitted your Gap and D enrollment docs in March, all your new coverage will start on April 1

Second question...Moving. Each company offering Medigap handles moving states differently. Sometimes you can just keep your old plan, others will make you apply for the new local plan and others will average the cost between your old state's Medigap and new state's medigap. If you know where you are moving give us a call and we can help you with that.
-Michelle from senior65.com

By Mike on December 31, 2017

I will be retiring at the November 30, 2018 my 65th birthday is October 9, 2018. My employers insurance would end on November 30, 2018. Should I sign up for Medicare 3 months before my birthday in October or should I wait until October 1, 2018 so coverage would start on November 1st 2018. I also would like to sign up for Part B so I would not lose coverage after November 30th can I do that also in October or 3 months before my 65th birthday. I just don't want a lost of coverage to happen; Thanks

Based on the information you have shared we suggest you start your Medicare part B on Dec. 1, 2018. Since you have credible coverage through work, you can select your part B to start when your work coverage ends with no penalty. We recommend that you start your part D coverage and/or any supplemental coverage on Dec. 1 2018.

-Michelle at Seni Please call us an we can help you coordinate.

-Michelle at Senior65.com

By Gwen on December 13, 2017

I turn 65 April 2018. I'm automatically signed up. I've received my Part A and Part B card already. Will I start to be billed for the Part B in January 2018 or April 2018?

Also do I need to contact anyone so Medicare knows who my supplementary ins is with?
Thanks for your help. Gwen

Your billing for part B should begin in April not January. When you do enroll in a supplemental insurance plan, you do not need to notify Medicare. When we, or whomever, processes your Medicare Advantage, Medigap or Part D drug application, CMS is automatically notified and reviews the application before it is made active.

Please contact us if you need help enrolling in a plan
-Michelle from Senior65.com

By Vernon on December 04, 2017

My 65th birthday is early February 2018. I have complete health insurance coverage through my employer. I expect to continue working for another 3 years. What, if anything, do I need to do now or by my 65th birthday?

Most people in your situation who have coverage via work after age 65 will forgo Medicare part B. Check with your HR director to make sure it counts as credible coverage for both medical and drugs.

Once you eventually enroll in Medicare part B, give us a call and we can help you enroll in supplemental coverage.
-Eric from senior65.com

By Lisa on December 02, 2017

My father is 65 and on Medicare and retiring next year. my mother is only 60 and has no insurance. Does anyone know of any plans that she can enroll into until she turns 65? Thank you!

Your mother will have to apply for an under65 plan using a local agent or using the Affordable Care Act Marketplace.
We, here at Senior65, are licensed to help your father enroll in a Medicare Supplement, Medicare Advantage or Part D drug plan. Please give us a call if you need assistance with that.
-Chris from Senior65.com

By Bob on November 30, 2017

I turned 65 in January of this year & I signed up for Part A. I am still working and covered by my Employer's Health Insurance. I plan on retiring in 2018 (perhaps on 01Apr18). If I sign up for Part B how do I make sure I don't have a coverage gap? In other words when will my Part B coverage start? Can I control that date so I do not have a gap in coverage?

the chart with waiting periods before Medicare start should not apply to you since your work coverage should count as a qualifying enrollment event. See the "*If you have a qualifying event to enroll in Part B after 65, you will be able to start Medicare right away, and not have to wait until the General Election Period." You should confirm this with Medicare first but you should be able to start Medicare part B (and any supplement insurance you purchase on this site) on April 1, 2018.
-Jacima from Senior65.com

By CASSIE on November 20, 2017

I will turn 65 on November 23, 2020. I plan on retiring this year. I will be carrying Cobra. Will my Medicare A and B start on Nov 1, 2020 or do I need to have it start on Dec 1, 2020. This one month will make a difference of me retiring on April 30, 2018 or May 31, 2018.

You will be first eligible for Medicare A and B to start on Nov 1, 2020 but you do not have to start on this date. As you can see from the chart above you can push back your start date based on when you enroll. Contact Social Security to work with them if you don't want to start on Nov 1.

We can help you time your Medicare Supplement insurance to begin at the same time.
-Michelle from Senior65.com

By Thor on November 20, 2017

I turned 65 on November 5. I signed up for Parts A & B prior to my birthday so my benefit went into effect 11/1/2017 with deductions being taken from my Social Security (which I started collecting in January 2017) and I have supplemental coverage through my union pension plan. Do I have to sign up for Medicare every year or are all the notices I see on TV just for supplemental plans? Thanks!

Love the name! No you do not have to renew Medicare (nor your Medigap policy) each year. They will auto renew.
-Jacima from Senior65.com

By charlie on November 02, 2017

I turn 65 on Aug 6 2018, i'm receiving s.s. when should I sign up for medicare or what should I do, if anything before I turn 65.

Most people who are receiving SS will be automatically enrolled in Medicare part A and B. You should receive notifications roughly 3 months before you turn 65. You will still need to research and select a Medicare Part D (drug) plan and a Medigap plan if you are looking for supplemental insurance. Call us if you need assistance and check out our deadline calculator to make sure you don't miss your deadlines:
-Eric from Senior65.com

By Greg on October 25, 2017

I will be turning 65 in January of 2018. However, I will continue to work until December 31, 2018 and will be covered by my exisiting company with my health benifits. Do I still have to apply for SS and medicare on my 65th birthday or can i defer myself from applying till the following year?

Most people in your situation enroll in Part A upon turning 65 but hold off on their Part B coverage until their work coverage ends. You will not be subject to penalties.

Once you come off your work coverage and enroll in Medicare Part B we can help you identify and enroll in supplemental coverage.
-Chris from Senior65.com

By Rita on October 24, 2017

I will be 65 on 5/24/2018 and I am retired drawing Social Security and will be on Medicare May 1st as well as a Medicare Advantage Plan. Since I will need insurance coverage from Jan-April 2018, could I go with a Short Term Insurance instead of an ACA Plan as I have now which would be a less expensive plan without getting penalized filing my taxes since ACA does not acknowledge Short Term Insurance as a qualifying insurance? I plan on taking some money out of my IRA in 2018 which will add to my income preventing me from getting a good subsidy for Obamacare for an affordable ACA Insurance Premium. Thank You for any guidance.

Thank you for your question.  We are unable to give specific tax advice on this site.  We suggest you contact your tax professional.   While we are not experts in taxes, we do know senior health insurance :)  Please contact us for assistance enrolling in your  Medicare Advantage plan .
-Michelle from Senior65.com

By Jason on October 23, 2017

Since I turned 65 on September 30, I enrolled for Part A two months earlier and it's now active. However, now I learned my commercial insurance will end 12/31/17. So I want to start Part B January 1, 2018. I'm still in my Initial Enrollment Period. But if I enroll in October, Part B starts in December. If I enroll in November, it starts in February. Arghh. I also qualify for the Special Enrollment Period since I'm losing commercial coverage. SSA says I need to file to start Part B January 3 and if approved it will be retroactive to Jan 1. But if there are issues, it could be delayed 3 months. What do you recommend to start Part B January 1?

"Arghh" is right!!! The timing for enrolling for part B is challenging. Based on the information that you shared, it would be our recommendation that you sign up in October to Start in December. While this starts part B one month early, it will give you piece of mind to know you won't have to try and get B retroactively.

Since you will still have coverage from your work in December, you should enroll in a Part D and a Medigap plan with a January 1, 2018 effective date to save money.

Once you have your part B in place, please give us a call and we can help you enroll in Part D drug coverage and/or a Medigap plan.  There is no charge to use our services and we guarantee the lowest price allowed by law.
-Chris from Senior65.com

By Sarah on October 18, 2017

If I apply for a Medigap policy before I turn 65 (so that it is effective the same day Medicare starts), will I have to go through medical underwriting? According to Medicare.gov, open enrollment for Medigap does not begin until the month I turn 65. Since guaranteed issue only applies during Medigap open enrollment, it sounds like I need to wait until I'm 65 to apply and make Medigap effective the month after Medicare starts. Am I right, or am I missing something?

As soon as you have your Medicare Part A and B effective date we can sign you up for a Medigap plan.This can be up to 3 months before your Medicare becomes active. We specialize in making sure our client's Medigap starts on the exact same day as their Medicare becomes active. Please contact us for assistance.
-Michelle at Senior65.com

By Jim on September 19, 2017

I will be 65 on February 14th 2018. I would like to stop working mid January of 2018. My employer insurance would terminate January 31st 2018. If I sign up for Medicare part A and B to start February 1st 2018 would I be able to get Medigap coverage before starting February 1st or have to wait for March 1st 2018 which would be the 1st of the month after I turn 65? It seems odd you can be covered almost an entire month by Part A and B but cannot get valid supplimental insurance until the month after you turn 65.

Your Medigap plan can start the exact same day as your Medicare Part B does. In your case, everything should begin on Feb 1, 2017. Feel free to call us and we can show you how.
-Chris from Senior65.com

By Karen on September 18, 2017

My husband turns 65 on November 19, 2017 and will be retiring on November 17, 2017. He will have medical insurance through his work through the end of November. He is planning to sign up for Social Security, and enroll in a Medicare Advantage plan, Medicare Part A and Part B, all to begin coverage on December 1. Can he enroll for SS online now and receive his Medicare card showing his A & B start date before he retires, even if he does not want to begin coverage for B and the Medicare Advantage plan now? A Medicare Advantage plan will not accept application without proof of A & B coverage, so if he doesn't have a card showing his A & B is in place for December 1, he may face a gap in coverage for drugs and the other things Medicare Advantage will cover. Thank you.

You can get your Medicare ID with your A and B start dates BEFORE he turns 65. You can request those 3 months in advance of your desired start date so he should have no problem having his Medicare Advantage plan begin on the date he is first eligible for Medicare. If he needs help selecting or enrolling in a plan, please have him call us. There is no charge for our assistance.
-Chris from Senior65.com

By Jerry on September 06, 2017

My wife will be 65 on September 17, 2017. She applied for and received her medicare card shortly after she applied in June of 2017. She went to the doctor today September 6, 2017 to get an EKG prior to surgery scheduled for next week. The doctor's nurse told her they could not do the procedure until her actual birthday of September 17. Is this correct?

Check to see what the effective date on her red, white and blue medicare card has for her Part A and Part B effective date but from what you shared it should be Sept. 1, 2017. She would NEVER have to wait to the middle of the month to start since Medicare ONLY starts on the first of the month. Sounds like someone is confused over there. She should still also be eligible for a Medicare supplemental plan but since it is past Sept 1 it would start on Oct 1. Please give us a call if you have any additional questions.
-Chris from senior65.com

By Sam on August 08, 2017

I have 2 questions. I will be 65 on January 1, 2018. Will my medicare become effective on December 1, 2017 and in what month should I expect to receive my medicare card in the mail? I already receive social security, so I assume from the information on this site that I will be automatically enrolled in medicare. Thanks.

Your Medicare effective date should be December 1, 2017. You should receive your cards typically a few months before that date. One you get confirmation of your Part A and Part B effective date you can sign up for Medicare Supplement and Medicare Advantage or a Part D drug plan (up to 3 months before Dec 1. in your case).
-Chris from https://www.senior65.com

By Lance on July 24, 2017

I have the same situation as Ron, June 12, 2017. In addition, I do not and will not receive Social Security before my birthday (i.e. I am not automatically enrolled). From your answer to Ron, is it the case then, that a November application will give me an effective date for Medicare Part A (as well as Part B) of January 1, 2018?

Thanks for your request.  When you submit your application may not necessarily determine your Medicare start date. Since your situation is a little tricky, we recommend the following: To make sure you get your Part A and B enrollment timing correct, call the Center for Medicare Services (CMS) at  1800-633-4227.  

Reminder: you will have 3 months after your part B effective date to enroll in a part D drug plan and 6 month to select a Medigap plan. Part D and Medigap applications can be submitted as soon as you know your Part B effective date.
 Please call us an the number below for assistance with your D and Medigap pricing and enrollment.
-Chris from https://www.senior65.com

By Rina on July 24, 2017

I have been on Medicare. Part A only since I turned 65. I am now 75 years old and would like to apply for Medicare Part B. When can I apply? and how soon after application is accepted for Part B can I use it? Also, what is the total cost for Part B? Thank you!

Thanks for your question. Your answer depends on both your current income and if you have had coverage through a work situation over the last 10 years. You can visit our Medicare cost page here, or give us a call and we can help you calculate it over the phone.
-Michelle at http://www.senior65.com

By KC252 on July 24, 2017

I turn 66 on Feb 7, 2017. I am employed and currently have insurance through my employer. I would like to start Medicare A, B, D, and a medical plan on March 15 , 2018 for both my wife and myself (she is retired and does not receive Social Security). When would I need to sign up?

Thanks for your question. Most people typically start Medicare Part A when they turn 65 but hold off on B, D and Medigap until they stop their work coverage. Leaving your work coverage should trigger your election period. Plans typically begin on the first of the month so you will want to process your applications roughly 3 months before your desired start date. We can help with this process but we have a few additional question to make sure we get it right. Give us a ring at 800-930-7956.
-Chris from https://www.senior65.com

By Karin on July 19, 2017

I turn 65 on Nov 1, 2017. I just applied for medicare yesterday. Is my medicare start date Oct 1 or Nov 1 and when should I set my start date for supplemental medicare coverage and Part D?

Your Medicare effective date should be October 1 (because if your birthday falls on the first Medicare starts a month before). You can start applying for a Medigap and Part D plan now for that October 1 effective date. Call one of our Senior65 licensed independent insurance agents at 800-930-7956 for help with quotes and enrolling.
-Amy from https://www.senior65.com/

By PJ on June 27, 2017

I enrolled for Medicare Part A and Part B online and received my Medicare card in the mail today. It indicates that my coverage will begin on September 1, 2017 (my 65th birthday is September 11, 2017). I am not eligible for SS benefits until I am 66, so the payment for Part B will not be coming out of an SS check. How do I pay for my Part B?

You will pay your Part B premium directly. Here's an explanation and options for how to pay your Medicare monthly premiums.
-Chris from https://www.senior65.com/

By joe on June 16, 2017

ive been on medical leave for 11 months im loosing my coverage end of june. im waiting for my ssd but ill be 65 in oct can i still get medicare before i get disability ?

If you qualify for Medicare you'll most likely be automatically enrolled as of October 1, just based off age. If your question is will you qualify for Medicare disability before then, probably not, because you usually need 24 months of disability to enroll. You will want to contact Medicare directly to find out for sure. For help for your short term care or for covering costs that Medicare doesn't cover call one of our Senior65 licensed independent agents at 800-930-7956.
-Chris from https://www.senior65.com/

By Ron on June 12, 2017

I turn 65 on Oct 10, 2017. I am retired and currently have insurance through ACA. I would like to start Medicare A, B, D, and a medical plan on Jan. 1, 2018. When would I need to sign up?

While you might be able to delay your Part B, D and Medigap or Medicare Advantage coverage for three months, you may not be able to delay your Part A. If you are already or will receive Social Security benefits prior to your birthday, you will automatically be enrolled. This would mean you have to drop your ACA plan as of Oct 1. But lets just say that you are not automatically enrolled, you would need to apply by November 1st for a Jan 1st start date. For help with your Medicare health plans call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Michelle from https://www.senior65.com/

By Donna on June 07, 2017

My husband turns 65 at the end of October 2017. He does not plan on retiring yet. I am not working and do not turn 65 until 2025. I am covered under his insurance on his job. What steps would you suggest he takes in the coming months? Thank You

Thank you for your question. If your husband does not want to retire, he should enroll in Part A and delay Part B, but only as long as his coverage is considered creditable coverage. Once he does retire, he can join Part B and a Medigap plan, if he so chooses. If you have further questions please call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Amy from https://www.senior65.com/

By Lin on June 05, 2017

I believe the last comment deserves a correction. If a person's 65th birthday is on August 1, their Medicare (if they are receiving Social Security benefits and are automatically enrolled into Medicare or if they apply early enough) will become effective on July 1 - the month PRIOR TO the birth month. For any birth date other than the first, Medicare becomes effective on the 1st of the birth month.

By Frank on June 03, 2017

My friend enrolled onto Medicare Part A&B 3/1/17 and wants to sign up for a Part D plan and Medigap plan for 7/1/17. Will he still be in his IEP for the Part D plan if he is signing up this week - the 3rd month of his IEP for 7/1? He still is on an employer plan and is terming that on June 30th. Thanks!

It sounds like he has creditable coverage through work; therefore, he can enroll in a Part D plan when he leaves that coverage. If for some reason he does not have creditable coverage, he would need to sign up for Part D in the month of June (and it will take several months to begin). If your friend needs help finding a Part D have him call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Eric from https://www.senior65.com/

By Joel on May 27, 2017

I am 62 and turn 65 in August of 2019. I am currently employed full time. While I am very unhappy at my job I do have great benefits. I know that COBRA coverage lasts for 18 months and I am happy to pay for it, but I just want to know what is the earliest specific date I can leave my job to insure that I will have continuous COBRA coverage until Medicare kicks in. Thank you!

Your Medicare coverage most likely will begin on August 1, 2019 (unless your DOB is Aug 1, in that case it would be Sept 1). Therefore you would want to start COBRA Feb 1.

We know it's a ways away, but remember once you're enrolled in Original Medicare you'll have out of pocket expenses. If you're interested in learning about how Medigap fills in those gaps give one of our Senior65 licensed independent insurance agents a call at 800-930-7956.
-Chris from https://www.senior65.com/

By Paul on May 23, 2017

I turn 65 on December 23, 2017. I am currently on an Obama Care plan. Will I be automatically enrolled in Medicare and it will start on December 1, 2017? I plan on starting and receiving my first Social Security check in January 2018. If my Medicare starts on December 1, 2017, will I be billed for that first month, or will it be deducted from my first Social Security check?

If you are enrolled in Social Security you will be automatically enrolled in Medicare when you turn 65. Your Part B should be deducted from your Social Security, but since you are starting your Social Security a full month after your Medicare will begin you will need to contact SS to see how your first payment will be taken care of.

If you are interested in enrolling a Medicare Advantage or Medicare Supplement plan to help offset the cost of Original Medicare call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Amy from https://www.senior65.com/

By Carol on May 10, 2017

I will turn 65 on July 25th, 2017. I am retiring from teaching at the end of this school year. My health insurance is effective through August 31, 2017. I applied for Medicare Parts A and B, and clearly indicated that I wanted Medicare to begin on September 1st. When I received my letter from Soc Sec a few days ago, it stated July 1 as my start date. I called my local Soc Sec office and they said it cannot be changed! They suggested that on July 1, I use Medicare as my primary insurance and my current coverage as secondary. This makes no sense. Why should I pay for 2 months of Part B when my current plan covers me through August 31? Also, through the teacher retirement board, a plan for Medicare Part D is offered and I will apply for that around my birthday. What can I do about getting my Medicare Parts A and B to begin 9-1? Thank you.

This is strange! You should be able to delay your Part B by returning the letter you have received. We don't know why you not be able to, and cannot answer that without knowing more.

Our suggestion is to contact Social Security again and request the change. (Maybe the person you spoke to was confused.) If you are not able to get help that way, we suggest contacting your state's Department of Insurance. Best of luck!
-Amy from https://www.senior65.com/

By David on May 04, 2017

I am retired and turn 65 on May 7, 2017. I am not automatically enrolled in Medicare because I retired with a Civil Service pension instead of Social Security benefits. I plan to apply on-line for Medicare Part A on May 5, 2017. Will Part A take effect on May 1 or June 1? Also, I plan on delaying enrollment in Medicare Part B but still enroll within my IEP. Say I was to apply on-line for Part B on June 5. That would be less than 1 month after my 65th birthday but would be the next month after I turn 65. Would my Part B (with premiums charged) take effect on July 1 or August 1?. Can you give me the month Part B (with Premiums charged) would start if I were to apply on July 5 or August 5? Please be specific on dates. Don't just refer me to the chart above with no dates. Thanks for your help..

We know it can be confusing! If you apply during the month of your 65th birthday (May), it will begin the month after,(June.) If you apply in June, your plan will start two months later (August). However, since you have a very specific situation, you will want to contact Medicare directly to find out if your dates are different than the above chart. If you need any help with enrolling in a Medigap or Medicare Health plan, contact one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Amy from https://www.senior65.com/

By Mike on April 26, 2017

So I got some answers from SSA. Your table would make sense compared to what SSA told me if the lower entries in the columns "When you sign up for Medicare" and "Your Medicare coverage would begin" were: "The month you turn 65", "On the first day of the month after you sign up"; "The month after you turn 65", "on the first day of the second month after you sign up"; The second or third month after you turn 65", "on the first day of the third month after you sign up". Also noteworthy from that conversation is that Medicare billing/payment is on a full month basis, i.e. it is not pro-rated based on the day you sign up. If you are covered for a month, you will pay for that month. I hope this helps others. If you think I got any of this wrong, please cite a source. I couldn't get SSA to point me to a source document of their own for this information.

By Mike on April 17, 2017

Thanks for the reply. However, you didn't answer any of my questions. I was hoping you could answer so that I didn't have to spend a long time waiting for SSA to reply to the same questions, and that others might benefit from seeing an answer to the questions without having to ask them for themselves.

Thank you for writing back! If your retiree insurance is considered creditable coverage (you will need to check with your company and Medicare), then you can delay enrollment beyond the initial 7 months. If your insurance is not creditable coverage, and you apply for coverage, your insurance will always start on the 1st of the month -per the chart above -which would be September. You would pay for the months that you are actually enrolled. As always, and especially for your specific situation, we highly recommend contacting Medicare for specific answers to when your effective date will begin.
-Amy from https://www.senior65.com/

By Mike on April 17, 2017

Background: Presume I turned 65 on March 15, 2017. Retired, but currently have good coverage through former employer as a retiree. Hope to add Medicare Part B as late as possible without incurring a permanent penalty. I understand this translates to applying sometime in June 2017. Based on Medicare page (https://www.medicare.gov/sign-up-change-plans/get-parts-a-and-b/when-coverage-starts/when-coverage-starts.html) my coverage would then start three months after I sign up. So, if I sign up on June 2nd, would coverage start September 1, September 2, or October 1? Again, if I sign up on June 2nd, what months of coverage will I have to pay for, September forward, or October forward. What If I sign up on June 20th, are answers the same?

Medicare coverage always begins on the 1st of the month. Now, if you delay Part B, you will have a different enrollment time frame. For that, you will want to contact Medicare directly. When you're ready to enroll in a Medicare health plan, contact one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Amy from https://www.senior65.com/

By Michelle on April 06, 2017

I will be 65 on June 5, 2017. My part B coverage will be effective June 1, when will first premium be deducted? I also have full medicaid do i still need to sign up for an Advantage plan or Medigap plan with Part D. I also qualify for extra help with part D coverage

Your premium should be deducted on your effective date, unless otherwise stated/requested. If you have Medicaid, you may be eligible for a Special Needs Medicare Advantage plan, you will not be eligible to enroll in a Medigap plan, unless Medicaid gives you approval.
-Amy from https://www.senior65.com/

By Gary on April 05, 2017

I turn 65 in October of 2017.I currently carry the health insurance for my wife and myself through my employer.When i take Medicare my wife will be going to her employers health plan. To coordinate this I wanted to be on Medicare January of 2018. In reading the above info would I apply in November of 2017? Or when?

Good question! Only thing is, the answer you are looking for may not actually answer your question. Let me explain. If you have creditable coverage through work, you can continue that even when you are Medicare eligible, but most likely you will want to enroll in Part A and delay Part B. If you delay Part B, your Medicare enrollment will start when you confirm that time with Medicare. If your work insurance is not creditable coverage, they will most likely require that you enroll in Medicare right away. Again, you will want to confirm with Medicare. When you do retire, reach out for help enrolling in a Medicare health plan by calling one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Amy from https://www.senior65.com/

By Gary Jay on March 30, 2017

My 65th birthday was February 1, 2017. I am covered by a group plan through my husband. If I sign up for Medicare Part A only on April 1, 2017 when is the effective coverage for Part A for me?

The chart above should explain when your coverage begins. To confirm your effective date, you will want to contact Medicare directly.
-Michelle from https://www.senior65.com/

By Patrick McDonald on March 24, 2017

At what age does medicare start for a male and at what age for a woman? I thought it was 62 for a female and 65 for a male.

Medicare starts at 65 for both males and females, unless you have certain disabilities, and then it could start much earlier.
-Amy from https://www.senior65.com/

By Sue on March 24, 2017

I will turn 65 in feb 2018. I have insurance thru by job. What if I loose my job before that. When can I get Medicare. What is Medicare A, B and medigap

If you were to lose your job before Medicare kicks in, you could either join COBRA or enroll in an on or off exchange plan. We can help with the latter.

You will start Medicare the first day of your birth month, unless your birthday is the first of the month. In that case, you will begin the first of the prior month.

A lot of people wonder what is Medicare? It's actually pretty simple, Medicare Part A is your hospital coverage, and Part B is your day to day care (doctors, out-patient, etc.). And, Medigap fills in the gaps of Original Medicare. It can cover your copays, coinsurance, and deductibles. If you need help enrolling in a Medigap plan, call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Amy from https://www.senior65.com/

By Linda Doyle on March 13, 2017

My husband and I have not applied for Part B as we have coverage through his employer. We now want to apply for Part B. The last day of coverage from his employer will be March 31, 2017 and we would like to have Part B become effective April 1, 2017. If we submit the forms prior to April 1 will we pay premiums for March or will they begin in April?

You will want to apply for Part B coverage ASAP, and Medicare will give your exact Part B effective date (which is always the first of the month). Once you get your Part B effective date, you can apply for a Medigap, Medicare Advantage, and/or Part D drug plan. If you need help enrolling in one of the Medicare health plans call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Amy from https://www.senior65.com/

By Jason on March 10, 2017

If social security restarted my part b after it was cancelled, is there ever a time when part b can start in the middle of the month

As far as we know, Medicare Part B always starts on the 1st of the month. If you need help joining a Medicare Supplement, Medicare Advantage, and/or Part D call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Amy from https://www.senior65.com/

By Stanley Nuckles on February 28, 2017

Everything I'm reading here says I should have signed up for Medicare Part A when I turned 65. I'm still working and have insurance coverage thru my employer. What's the benefit of signing up for Part A and should I signup now or wait until I retire?

Most people are automatically enrolled, and most employer's plans want you to be enrolled in Part A because it lowers their out of pocket spending, and it doesn't cost you anything to be enrolled. You should contact Medicare to see if you should enroll in Part A now.
-Amy from https://www.senior65.com/

By Jeanne on February 12, 2017

I enrolled in an HSA on Dec 1, 2016. I turn 65 on Dec 22, 2017. Will the automatic Medicare enrollment interfere with the taxing of my HSA contributions in 2016 or 2017.

While you are able to keep HSA contributions to help pay for medical expenses after you enroll in Medicare, you will need to contact your tax expert for specific tax questions.
-Amy from https://www.senior65.com/

By Lynn on January 14, 2017

My employment ended Jan 3, 2017; my insurance will end Jan 31, 2017. Can I enroll in part B coverage effective Feb 1, 2017?

You might still be able to, but you'll want to contact Medicare directly to confirm. If you need help enrolling in a Medicare Advantage or Medigap plan call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Amy from https://www.senior65.com/

By Bill on December 20, 2016

My birthdate is Feb 1, 2017 and I will be 65. I have called and gotten 2 different answers regarding when my medicare benefits will begin? Is it Jan 1, 2017 or Feb 1, 2017?

Your Medicare effective date should be Jan 1, 2017, unless you were not automatically enrolled or didn't enroll yourself. If so, you may have a later date. Reach out to our Senior65 licensed independent insurance agents if you need any help enrolling in a Medicare Health Plan.
-Chris from https://www.senior65.com/

By Terry on November 01, 2016

My wife turns 65 on July 19th of 2017. Is she able to sign up for medicare advantage plans 90 days prior or is there a different date to sign up?

She absolutely can apply up to 90 days before her Part B effective date (which should be July 1). If you need help finding a Medicare Advantage plan for her call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Michelle from https://www.senior65.com/

By RAJ BUDUGUNTAE on October 25, 2016

if my birthdate is 04/16/1952 can i qualify and enroll for medicare on 04/01/2017

Yes, April 1st would be the first day you could start Medicare, and will be the day you will start if you are automatically enrolled.
-Chris from https://www.senior65.com/

By Mary Elizabeth Jordan on September 05, 2016

My DOB 03/29/1951. I have Part A already. I am still working so i did not get Part B yet. I want to start receiving my Part B. I will be 66 in March. What is my timeline for signing up for Part B and when would i start receiving my SS check ? Thanks and have a blessed day.

Since you have creditable coverage through work, you'll usually apply once you retire. At that time, you'll also be able to enroll in a Medicare Supplement plan, without having to answer medical questions.

Enrolling in Part B does not trigger your Social Security benefits -you will need to contact SS directly to determine when is the best time for you to enroll.

When you're ready to sign up for Part B, and Medigap or Medicare Advantage, call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Chris from https://www.senior65.com/

By Lynn schmidt on March 11, 2016

I have deferred enrollment for Medicare coverage due to I have coverage Thru work for both myself and my husband. I plan to have him enroll at the same time he collects SSI,and Medigap .which would be Dec2016 when he turns 66,I also at this time want to enroll in medigap when I turn 65 .my birthday is September 11 2016. We have Cigna HDHP with HsA.Do I enroll first withmedicare B for husband ?How long after do I enroll him in Medigap Plan F?i don't want a lapse in coverage.

Your husband will apply for Medicare a few months before he wants his enrollment date; once he gets this his Medicare ID, he will apply for Medigap for coordinating effective dates -most likely December. Please call us at 800-930-7956, and our licensed independent insurance agents can help make this seamless.
-Amy from https://www.senior65.com/

By Henry on March 03, 2016

I'm 68 already have Medicare Part A, but declined Part B because I have coverage through the VA. I was diagnosed with prostate cancer last month and would like to go to a non-VA doctor. Can I do this? Do I have to sign up for Part B? And, when will my coverage begin.

You will want to sign up for Part B to see a non-VA doctor, and have some coverage. You will need to sign up during the general election period (Jan 1 -Mar 31), and your coverage will begin July 1st. Before your Part B coverage starts you should get a Medigap quote and apply. This way you can cover your out of pocket expenses. If you need any help call us at 800-930-7956.
-Chris from https://www.senior65.com/

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